Enter your personal financial position. This estimates the largest enterprise value an SBA 7(a) loan could support against it, using standard equity-injection and debt-service rules. Every number updates as you type. Rough estimates only, not a loan pre-qualification.
Current cash and checking account balances.
IRA / 401(k) balances. Usable through a ROBS rollover without early-withdrawal penalty.
Non-retirement brokerage accounts, stocks, bonds.
Current market value of real estate you own.
Most sub-$1.5M service businesses price around 2.5–3.5× SDE, meaning SDE runs roughly 28–40% of price. Lower this if you're targeting a business priced on a richer multiple.
Lower is more aggressive underwriting, higher is more conservative. Most SBA lenders land somewhere between 1.15× and 1.5×.
Rough, conservative estimate only. Assumes cash 100%, retirement 90%, stocks 70%, real estate 60% usable toward an equity injection, net of all liabilities. Not financial or investment advice, and not a loan pre-qualification. Confirm real numbers with an SBA lender before making any decision.
Send us your numbers and the business you have in mind, and we'll follow up directly.